All valid points. Interesting also, the app just surpassed 100 000+ downloads in the google play store. This is just android, so doesn't include Apple downloads. Douugh reports 'customers' at 80 500. So they could be reporting active engaged users as you point out, and would make sense given the growth in other metrics such as deposits, card spend and revenue. It's a wait and see and this stage.
(screenshot from google play store below)
Interesting
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